| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29727 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $28 | $39K | 4.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $15K | $15K | 1.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1050 CROWN POINTE PARKWAY SUITE 600 ATLANTA, GA 30338 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $54 | $8K | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6 | $6 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29727 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $66K | $5K | $71K | 12.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 1.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29727 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $0 | $20K | 13.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 4.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | 5 CONCOURSE PARKWAY, 18TH FLOOR ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 1.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS HRH | 29727 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $9K | $0 | $9K | 8.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS HRH | 5 CONCOURSE PARKWAY, 18TH FLOOR ATLANTA, GA 30328 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $8K | $0 | $8K | 7.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29727 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $2K | $226 | $2K | 7.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1050 CROWN POINTE PARKWAY SUITE 600 ATLANTA, GA 30338 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 3.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 29982 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $0 | $282 | $282 | 0.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC, | 505 NORTH BRAND BOULEVARD, 6TH FLOO GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $0 | $70 | $70 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LYNDON B JOHNSON FREEWAY SUITE 400 DALLAS, TX 75240 | METLIFE LEGAL PLANS | $0 | $54 | $54 | 0.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GEORGIA | ONE GLENLAKE, 11TH FLOOR ATLANTA, GA 30328 | METLIFE LEGAL PLANS | $0 | $28 | $28 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC. | 265 BROOKVIEW CENTRE WAY, SUITE 505 KNOXVILLE, TN 37919 | METLIFE LEGAL PLANS | — | $28 | $28 | 0.08% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,405 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,705 | $950K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,455 | $98K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,464 | $551K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,464 | $551K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,464 | $551K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,464 | $770K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,705 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.